The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$49,731
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,277
−HK$1,572/mo
Today · 4.125%
HK$52,849
baseline
▲ 0.50% · 4.625%
HK$56,065
+HK$3,216/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$105,698/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,325
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,808
−HK$1,506/mo
Today · 4.125%
HK$58,314
baseline
▲ 0.50% · 4.625%
HK$61,388
+HK$3,074/mo
Deposit HK$10.90M · loan HK$10.90M · min. income ≈ HK$116,628/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$926,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,677
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,533
−HK$1,886/mo
Today · 4.125%
HK$63,419
baseline
▲ 0.50% · 4.625%
HK$67,278
+HK$3,859/mo
Deposit HK$8.72M · loan HK$13.09M · min. income ≈ HK$126,838/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,390
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,170
−HK$1,806/mo
Today · 4.125%
HK$69,976
baseline
▲ 0.50% · 4.625%
HK$73,665
+HK$3,689/mo
Deposit HK$8.72M · loan HK$13.09M · min. income ≈ HK$139,952/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$926,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,623
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,788
−HK$2,201/mo
Today · 4.125%
HK$73,989
baseline
▲ 0.50% · 4.625%
HK$78,491
+HK$4,502/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$147,978/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,455
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,532
−HK$2,107/mo
Today · 4.125%
HK$81,639
baseline
▲ 0.50% · 4.625%
HK$85,943
+HK$4,304/mo
Deposit HK$6.54M · loan HK$15.27M · min. income ≈ HK$163,278/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$926,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,515
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,299
−HK$2,829/mo
Today · 4.125%
HK$95,128
baseline
▲ 0.50% · 4.625%
HK$100,917
+HK$5,789/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$190,256/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,584
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$102,255
−HK$2,710/mo
Today · 4.125%
HK$104,965
baseline
▲ 0.50% · 4.625%
HK$110,498
+HK$5,533/mo
Deposit HK$2.18M · loan HK$19.63M · min. income ≈ HK$209,930/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$926,890 · Scale 2, in force from 26 Feb 2026)